Reliance Home Finance Limited (RHFL)

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Reliance Home Finance Limited (RHFL) · mywealthgrid

About

Reliance Home Finance Limited operates in Housing Finance Company within the Financials sector.

Face value: ₹10

Market cap

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P/E

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P/B

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Dividend yield

ROE

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ROCE

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Debt / equity

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OPM

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EPS (TTM)

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Book value

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52-week high

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52-week low

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2,178 historical price candles were omitted because the exchange source has not been verified.

₹1.60%1Y

Quick read

rule-based

Pros

No positive flags triggered.

Cons

−Low return on equity of -64.7% (3-yr avg)
−Revenue shrank over the last 5 years (-83.1% a year)
−Weak interest coverage of -3.6×
−Low promoter holding of 0.7%

Research score

Structured signal from quality, growth, valuation and momentum.

0/100

Business quality: 0
Growth: 0

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Bajaj Housing Finance LimitedBAJAJHFLBAJAJHFL	₹69,083 Cr	₹1,72,787 Cr	₹11,606 Cr	₹10,596 Cr	90.9%	₹2,692 Cr	23%	—	12.1%	—
Pnb Housing Finance LimitedPNBHOUSINGPNBHOUSING	₹28,458 Cr	₹99,656 Cr	₹8,692 Cr	₹8,177 Cr	94.5%	₹2,315 Cr	26.9%	—	12.7%	—
Lic Housing Finance LimitedLICHSGFINLICHSGFIN	₹28,000 Cr	₹3,05,356 Cr	₹28,683 Cr	₹27,081 Cr	93.6%	₹5,739 Cr	19.4%	—	14.4%	—
Aadhar Housing Finance LimitedAADHARHFCAADHARHFC	₹19,609 Cr	₹38,352 Cr	₹3,817 Cr	₹2,908 Cr	76.4%	₹1,141 Cr	29.8%	—	15.8%	—
Sammaan Capital LimitedSAMMAANCAPSAMMAANCAP	₹15,388 Cr	₹66,991 Cr	₹7,418 Cr	₹3,373 Cr	41.6%	₹-7,236 Cr	-87.5%	—	-35%	—
Home First Finance Company India LimitedHOMEFIRSTHOMEFIRST	₹11,764 Cr	₹22,354 Cr	₹1,999 Cr	₹1,571 Cr	78.9%	₹581 Cr	28.2%	—	15.7%	—
Aptus Value Housing Finance India LimitedAPTUSAPTUS	₹11,338 Cr	₹19,212 Cr	₹2,306 Cr	₹1,906 Cr	83.4%	₹985 Cr	42%	—	20.1%	—
Can Fin Homes LimitedCANFINHOMECANFINHOME	₹9,471 Cr	₹47,728 Cr	₹4,292 Cr	₹3,953 Cr	92.1%	₹1,130 Cr	25.8%	—	19.7%	—
Aavas Financiers LimitedAAVASAAVAS	₹9,444 Cr	₹21,780 Cr	₹2,018 Cr	₹1,484 Cr	73.5%	₹491 Cr	24.3%	—	13.9%	—
India Shelter Finance Corporation LimitedINDIASHLTRINDIASHLTR	₹7,031 Cr	₹13,277 Cr	₹1,528 Cr	₹1,110 Cr	72.6%	₹503 Cr	32.9%	—	17%	—
Repco Home Finance LimitedREPCOHOMEREPCOHOME	₹2,114 Cr	₹14,320 Cr	₹1,819 Cr	₹1,612 Cr	89.3%	₹482 Cr	26.5%	—	12.7%	—
Gic Housing Finance LimitedGICHSGFINGICHSGFIN	₹716 Cr	₹9,767 Cr	₹1,084 Cr	₹895 Cr	79.1%	₹157 Cr	14.3%	—	7.6%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore

₹ Cr	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	1,623	1,986	1,587	803	291	382	1	0
Interest	1,061	1,322	1,336	1,220	1,185	31	1	1
Expenses	373	575	831	1,921	6,803	-8,933	3	3
Financing profit	188	88	-579	-2,337	-7,697	9,284	-4	-4
Financing margin %	11.6%	4.5%	-36.5%	-291%	-2,648%	2,429.2%	-614.5%	-1,877.3%
Other income	61	17	16	37	3	9	0	0
Depreciation	2	3	4	3	212	2	0	0
Exceptional items	—	0	0	0	0	-277	0	28
Profit before tax	247	102	-567	-2,303	-7,906	9,014	-4	24
Tax	80	34	-192	-783	-2,467	3,595	0	-0
Tax %	32.2%	33.6%	-33.8%	-34%	-31.2%	39.9%	0%	-0.3%
PAT	167	67	—	-1,520	-5,440	5,419	-4	24
EPS (₹)	5.2	1.4	-7.7	-31.3	-112.2	111.7	-0.1	0.5
EPS adjusted (₹)	14.5	1.4	—	-31.3	-112.1	111.7	-0.1	0.5
Annual report	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	—	—

₹ Cr	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity capital	116	485	485	485	485	485	485	485
Reserves	922	1,357	982	-538	-5,977	-559	-562	-538
	9,649	15,699	13,235	12,976	12,714	87	0	9
	466	585	1,027	1,975	2,922	22	107	45
Total equity & liabilities	11,152	18,125	15,729	14,898	10,144	35	30	2
	74	261	257	255	43	0	0	0
CWIP	—	—	—	—	—	0	0	0
Investments	510	93	951	1,007	161	0	0	0
	10,569	17,771	14,521	13,636	9,940	35	30	2
Total assets	11,152	18,125	15,729	14,898	10,144	35	30	2

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	77%	71%	47.7%	-139.2%	-2,240.3%	2,437.4%	-380.7%	-1,468.2%
EBIT margin %	76.9%	70.9%	47.4%	-139.5%	-2,313.2%	2,436.9%	-380.6%	-1,468.2%
PAT margin %	10.3%	3.4%	—	-189.2%	-1,871.3%	1,417.8%	-572.6%	10,986.4%
Working capital
Receivable days	—	0	0	0	0	—	0	0
Inventory days	—	—	—	—	—	—	0	0
Payable days	—	0	0	0	0	—	0	0
NWC days	—	—	—	—	—	—	0	0
Leverage
Current ratio	—	—	—	—	—	—	—	0.02
Debt to EBITDA	7.72	11.13	17.49	—	—	0.01	—	—
Debt to equity	9.3	8.52	9.02	-245.02	-2.31	-1.18	-0	-0.17
Interest coverage	1.2	1.1	0.6	-0.9	-5.7	297.6	-1.6	-3.6
Asset turnover	0.15	0.11	0.1	0.05	0.03	10.97	0.02	0.14
Return ratios
Return on assets %	1.5%	0.4%	—	-10.2%	-53.6%	15,548.3%	-11.9%	1,529.7%
Return on capital employed %	—	—	—	—	—	—	-7.9%	-1,794.4%
Return on equity %	16.1%	3.7%	—	2,869.9%	99%	-7,339.3%	4.6%	-45.6%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2024	Dec 2024	Mar 2025
	0.74%	0.74%	0.74%
FII	0.01%	0.01%	0.01%
	1.56%	1.55%	1.55%
	0.01%	0.01%	0.01%
	97.68%	97.69%	97.69%
No. of shareholders	9,60,349	10,06,312	10,06,312

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in Reliance Home Finance Limited. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Annual Report FY2023

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Events

Upcoming dates and the company’s corporate-action history.

No events on record

Corporate actions, results dates and filings will appear here once ingested.

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

1 announcementsExport CSV

17 Sept 2026, 4:09 pmCompany Update

Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors

Intimation of meeting of Committee of Creditors PDF

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Ratio	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	77%	71%	47.7%	-139.2%	-2,240.3%	2,437.4%	-380.7%	-1,468.2%
EBIT margin %	76.9%	70.9%	47.4%	-139.5%	-2,313.2%	2,436.9%	-380.6%	-1,468.2%
PAT margin %	10.3%	3.4%	—	-189.2%	-1,871.3%	1,417.8%	-572.6%	10,986.4%
Working capital
Receivable days	—	0	0	0	0	—	0	0
Inventory days	—	—	—	—	—	—	0	0
Payable days	—	0	0	0	0	—	0	0
NWC days	—	—	—	—	—	—	0	0
Leverage
Current ratio	—	—	—	—	—	—	—	0.02
Debt to EBITDA	7.72	11.13	17.49	—	—	0.01	—	—
Debt to equity	9.3	8.52	9.02	-245.02	-2.31	-1.18	-0	-0.17
Interest coverage	1.2	1.1	0.6	-0.9	-5.7	297.6	-1.6	-3.6
Asset turnover	0.15	0.11	0.1	0.05	0.03	10.97	0.02	0.14
Return ratios
Return on assets %	1.5%	0.4%	—	-10.2%	-53.6%	15,548.3%	-11.9%	1,529.7%
Return on capital employed %	—	—	—	—	—	—	-7.9%	-1,794.4%
Return on equity %	16.1%	3.7%	—	2,869.9%	99%	-7,339.3%	4.6%	-45.6%

121 deals · 8 Jun 2023 – 8 May 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
8 May 2026	SUSHMA SATISH SHAH	Bulk	NSE	Sell	28,70,082	₹2.31	₹0.66 Cr
30 May 2025	DEVI TRADERS LLP	Bulk	NSE	Buy	29,56,595	₹5.03	₹1.49 Cr
30 May 2025	ISHAAN TRADEFIN LLP	Bulk	NSE	Sell	27,00,326	₹5.01	₹1.35 Cr
30 May 2025	DEVI TRADERS LLP	Bulk	NSE	Sell	26,63,707	₹5.03	₹1.34 Cr
30 May 2025	BRESCON VENTURES PRIVATE LIMITED	Bulk	NSE	Buy	25,00,000	₹4.99	₹1.25 Cr
30 May 2025	ISHAAN TRADEFIN LLP	Bulk	NSE	Buy	22,50,326	₹4.93	₹1.11 Cr
5 Dec 2024	RAMACHANDRA REDDY SUMA	Bulk	NSE	Sell	38,92,872	₹2.71	₹1.05 Cr
30 Sept 2024	MULTIPLIER SHARE & STOCK ADVISORS PRIVATE LIMITED	Bulk	NSE	Buy	50,00,000	₹5.28	₹2.64 Cr
30 Sept 2024	MULTIPLIER SHARE & STOCK ADVISORS PRIVATE LIMITED	Bulk	NSE	Sell	10,00,000	₹5.83	₹0.58 Cr
26 Sept 2024	MULTIPLIER SHARE & STOCK ADVISORS PRIVATE LIMITED	Bulk	NSE	Sell	75,00,000	₹5.27	₹3.95 Cr

1–10 of 121

1 / 13

Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Date	Category	Subject	Filing
17 Sept 2026, 4:09 pm	Company Update Intimation of meeting of Committee of Creditors	Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors	PDF

₹ Cr	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-3,507	-1,189	4,713	3,068	-597	4,103	-21	9
	496	-55	-856	-1,560	848	103	0	0
	2,818	1,291	-3,927	-1,374	-367	-4,243	4	-9
Net cash flow	-194	47	-70	135	-116	-37	-17	0
Free cash flow	-3,512	-1,194	4,713	3,067	-597	4,103	-21	9
CFO / Operating profit %	-280.7%	-84.3%	622.9%	—	—	44.1%	—	—

Reliance Home Finance Limited

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Annual reports

Events

No events on record

Announcements

Not in the F&O segment

No fund holdings on record

No events on record

Announcements

Annual reports

Compounded sales growth

Compounded profit growth

Return on equity

Reliance Home Finance Limited

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Annual reports

Events

No events on record

Announcements

Ratio timeline

Not in the F&O segment

No fund holdings on record

No events on record

Announcements

Annual reports

Quarterly record

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity